About 70 percent of people over age 65 require long-term care services to some extent, and the likelihood of needing care increases even more as you age. Yet the cost of long-term care often exceeds what the average person can pay from their income and other government programs. It is more important than ever for everyone, including seniors, their families and those professionals who work with them, to understand and plan ahead for long-term care.
Most people first learn about long-term care when they or a loved one needs care. But then their options are often limited by an urgent need for care, not enough time to get the information they need, and not enough money to pay for the care. Planning ahead allows you to have more control over your future, including protecting the quality of life for you and your loved ones. Use this guide as your first step in planning for long-term care.